Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Whop: overall score versus use-case fit
Whop Card has the higher Overall Score by 7 points (67 vs 60). Coin98 Fusion Card looks stronger for Travel and Lowest fees, while Whop Card comes out ahead for Cashback, Funds control, and Transfers.
Information checked Aug 11, 202643 official sources reviewed
01 · Overall score versus use-case fit
Whop Card is the better all-round starting point
Whop Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Travel and Lowest fees. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallCoin98 Fusion60Whop67Higher score
CashbackCoin98 Fusion17Whop39Higher score
TravelCoin98 Fusion65Whop57Higher score
Funds controlCoin98 Fusion64Whop74Higher score
Lowest feesCoin98 Fusion72Whop56Higher score
TransfersCoin98 Fusion39Whop92Higher score
Choose Coin98 Fusion Card if travel and lowest fees matter most
Coin98 Fusion Card comes out ahead for Travel and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Choose Whop Card if cashback and funds control matter most
Whop Card comes out ahead for Cashback, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend Whop revenue before bank payout
- Five percent in three business categories
- Team controls and phone-wallet support
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Coin98 Fusion60Whop67
Whop Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXWhopNot verified plan · 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed FX
Whop Card has the lower published FX fee (1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed vs 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackWhop0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- Coin98 FusionHybrid custodyWhopHybrid custody
Coin98 Fusion Card and Whop Card use the same hybrid custody setup.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayWhopVirtual + Physical · Apple Pay, Google Pay
Whop Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledWhop2 stablecoins · Stablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
Whop Card lists more stablecoins and ways to send money out (8 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 0%-5%
- Plan cost
- Not disclosed
- FX fee
- 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- ATM fee
- ATM access, issuer fee and limit are not separately confirmed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsCoin98 Fusion CardOverall60Whop CardOverall67
Coin98 Fusion CardOverall60Whop CardOverall67Scores
6 fields- Overall Score
- Coin98 Fusion Card60Whop Card67
- Cashback score
- Coin98 Fusion Card17Whop Card39
- Travel score
- Coin98 Fusion Card65Whop Card57
- Funds control score
- Coin98 Fusion Card64Whop Card74
- Lowest fees score
- Coin98 Fusion Card72Whop Card56
- Transfers score
- Coin98 Fusion Card39Whop Card92
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksWhop CardSpend Whop revenue before bank payout, Five percent in three business categories
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyWhop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclear
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Whop CardNot disclosed
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionWhop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- Top-up fee
- Coin98 Fusion Card1%Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%
- Card spending fee
- Coin98 Fusion CardNot disclosedWhop Card0%
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeWhop CardATM access, issuer fee and limit are not separately confirmed
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeWhop CardNot disclosed
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentWhop CardNot disclosed
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedWhop CardNot disclosed
- Top cashback plan
- Coin98 Fusion CardNot disclosedWhop CardNot disclosed
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaWhop CardVisa
- Card formats
- Coin98 Fusion CardVirtualWhop CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableWhop CardNot disclosed
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayWhop CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidWhop CardiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitWhop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is published
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitWhop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limit
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearWhop CardATM access and numeric withdrawal limits are unclear
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronWhop CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTWhop CardStablecoins: USDT
- Fiat deposits
- Coin98 Fusion CardNot disclosedWhop CardStored payment method top-up, Dynamic bank deposit instructions
- Transfers
- Coin98 Fusion CardNot disclosedWhop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
- Payout currencies
- Coin98 Fusion CardNot disclosedWhop CardUSD
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Whop Card0%
- Max cashback
- Coin98 Fusion Card0%Whop Card5%
- Reward currency
- Coin98 Fusion CardNot applicableWhop CardWhop account cash-back credit
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredWhop CardUp to 6% APY
- How it works
- Coin98 Fusion CardNot offeredWhop CardOptional earn vault
- Separate deposit
- Coin98 Fusion CardNot offeredWhop CardNo
- Use balance for spending
- Coin98 Fusion CardNot offeredWhop CardNot disclosed
- Lock-up
- Coin98 Fusion CardNot offeredWhop CardNo
Trust & availability
4 fields- Custody
- Coin98 Fusion CardHybrid custodyWhop CardHybrid custody
- Control until payment
- Coin98 Fusion CardProvider controls fundsWhop CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Whop CardThird National
- Custody / key management
- Coin98 Fusion CardNot disclosedWhop CardPrivy
Sources
2 fields- Official sources
- Coin98 Fusion Card23Whop Card20
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Whop CardAug 11, 2026
04 · The trade-off
Whop Card is the stronger all-round choice
Whop Card finishes ahead with an Overall Score of 67 versus 60 for Coin98 Fusion Card. Whop Card has the lower published FX fee (1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed vs 1.7% foreign-currency conversion). Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card still comes out ahead for Travel and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Coin98 Fusion Card and Whop Card use the same hybrid custody setup.
Whop Card lists more stablecoins and ways to send money out (8 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Coin98 Fusion Card and Whop Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Whop Card
05 · Common questions
Coin98 Fusion vs Whop FAQ
Is Coin98 Fusion or Whop better overall?
Whop Card has the higher Overall Score (67 vs 60). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Coin98 Fusion or Whop?
Whop Card has the lower published FX fee (1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed vs 1.7% foreign-currency conversion). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Coin98 Fusion or Whop?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Coin98 Fusion and Whop differ on custody?
Coin98 Fusion Card and Whop Card use the same hybrid custody setup.
How current is this Coin98 Fusion vs Whop comparison?
The latest information check for these two cards was August 11, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.